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130 North Marshall Street
Henderson, TX 75652

Henderson Federal Savings Bank is headquartered in Henderson and is the 356th largest bank in the state of Texas. It is also the 4,388th largest bank in the nation. It was established in 1934 and as of June of 2014, it had grown to 21 employees at 1 location. Henderson Federal Savings Bank's money market rates are 14% higher than the national average, and it has a B+ health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Henderson Federal Savings Bank had $3.1 million in non-current loans and owned real-estate with $20.27 million in equity and loan loss allowances on hand to cover it. This gives Henderson Federal Savings Bank a Texas Ratio of 15.31% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Henderson Federal Savings Bank experienced no significant changes from 15.81% as of June 30, 2013 to 15.31% as of June 30, 2014, resulting in a positive change of 3.15%.This indicates that the balance sheet and financial strength for Henderson Federal Savings Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Henderson Federal Savings Bank has increased its total deposits by $944,000, resulting in 1.02% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Henderson Federal Savings Bank has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Henderson Federal Savings Bank has $113.36 million in assets with $20.27 million in equity, resulting in a capitalization level of 17.88%, which is excellent.

Institution Statistics

FDIC Certificate #29241
Year Established1934
Primary RegulatorOCC
Assets and Liabilities
Assets$113.36 million
Loans$74.06 million
Deposits$93.54 million
Equity Capital$19.33 million
Loan Loss Allowance$936,000
Unbacked Noncurrent Loans$2.60 million
Real Estate Owned$499,000
Historic Data - June 2013
Assets$111.54 million
Equity Capital$18.39 million
Loan Loss Allowance$801,000
Unbacked Noncurrent Loans$2.60 million
Real Estate Owned$499,000
Profit Margin - Quarterly
Return on Assets0.91%
Return on Equity5.39%
Interest Income$2.56 million

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Henderson Federal Savings Bank Savings Account Rates

0.20%$500-Statement Saving Account

Henderson Federal Savings Bank Money Market Rates

0.50%$100k-Money Market Deposit Account

Henderson Federal Savings Bank Checking Account Rates

0.25%$500-Freedom Checking Account
0.25%$1k-Super NOW Checking Account
0.20%$500-NOW Checking Account

Henderson Federal Savings Bank CD Rates

1.86%$500-60 Month CD
1.51%$500-48 Month CD
1.21%$500-36 Month CD
1.01%$500-30 Month CD
0.90%$500-24 Month CD
0.70%$500-18 Month CD
0.70%$500-21 Month CD
0.60%$500-12 Month CD
0.60%$500-15 Month CD
0.50%$500-6 Month CD
0.50%$500-9 Month CD
0.35%$500-91 Day CD

Henderson Federal Savings Bank IRA Rates

1.86%$500-60 Month IRA
1.51%$500-48 Month IRA
1.21%$500-36 Month IRA
1.01%$500-30 Month IRA
0.90%$500-24 Month IRA
0.70%$500-18 Month IRA
0.70%$500-21 Month IRA
0.60%$500-12 Month IRA
0.60%$500-15 Month IRA
0.50%$500-6 Month IRA
0.50%$500-9 Month IRA
0.35%$500-91 Day IRA

Henderson Federal Savings Bank Locations
Henderson Federal Savings Bank130 North Marshall StreetHenderson, TX 75652